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@article{189768,
        author = {Mr. Rajesh R J and Dr. Giridhar K V},
        title = {A Study on Financial Literacy of Working Women with Special Reference to Shivamogga City},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {483-490},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=189768},
        abstract = {Financial literacy plays a vital role in the management of financial resources; it is the understanding of how money is earned, spent, saved, and invested. Financial literacy comprises financial knowledge, attitude, and behaviour of a person towards management of money. This paper aims to study the financial literacy of working women in Shivamogga city, Karnataka. The relationship between age and education level and level of financial literacy. The study is based on quantitative analysis and the convenience sampling method used. A questionnaire was used to collect the data from 102 women working in Shivamogga and analysed using financial scores. The study found that financial literacy among working women is an average of around 30%. The financial literacy of working women shows that the 25-40 years and above 55 years age groups of respondents are more financially literate. The majority of the undergraduate working women are more financially literate than other education levels. The financial literacy of respondents residing in urban areas is comparatively higher than that of respondents in semi-urban areas. Suggestions are that the banks, government agencies, financial institutions, and NGOs are conducting awareness programs and events. It suggests that they also use the internet and social media platforms. The women also take a step to learn basic financial knowledge through literacy programs and additional courses along with regular education. It is a suggestion to the education department, universities, and educational institutions to frame the curriculum to include basics of finance.},
        keywords = {age, education, financial knowledge, financial literacy, working women.},
        month = {January},
        }